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Chase Sapphire Reserve for Business Review: Big Perks, Bigger Fee
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Our Take
4.7
NerdWallet rating
The bottom line:
A massive welcome offer and high rewards rate are selling points for this new business travel card. But the annual fee is hard to stomach given other stellar cards on the market.
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Statement credit for Global Entry, TSA PreCheck® or NEXUS
Airport lounge access for primary cardholder and guests
Cons
High annual fee
Complicated rewards
Requires excellent credit
Purchases that don't qualify for Flex for Business must be paid in full every month
Full Review
Chase launched the new
Sapphire Reserve for Business℠
in June 2025 to a mix of cheers and jeers.
The card garnered praise for its dominant welcome offer and high rewards rate — particularly on flights and hotels. But it drew heat for its astronomical
Chase points to a long list of statement credits to justify the card’s cost. Business owners are skeptical, though. You need to use most of the card’s coupon-style discounts to cover its annual fee, especially after the first year.
Many business owners may not want to take on that much work. That’s especially true because there are comparable, cheaper business travel cards on the market.
Our take? If spending — and paying off — $30,000 over six months is realistic, pocket the sign-up bonus. Then, ditch or downgrade the card before you get hit with the next year’s annual fee.
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
Not only is that a colossal cache of points, but you get ample time to earn them — six months versus the standard three months.
Those points are worth at least $2,000 in travel booked via Chase Travel℠. But they could be worth twice that with Chase’s new Points Boost feature. This bumps your redemption value to 2 cents per point for select flights and hotels on the card’s travel portal.
Airport lounge access
Chase delivers on this fan-favorite perk for frequent fliers, making it one of the best business credit cards for airport lounge access. That's because primary cardholders and — more notably — up to two guests get free access to more than 1,300 Priority Pass Select lounges. Other premium business travel cards have rolled back guest access to lounges.
The
Sapphire Reserve for Business
also grants you access to the Chase Sapphire Lounge by The Club network of lounges, which are known to have top-tier food and amenities. The Sapphire Lounge network currently includes seven locations, with Chase noting that three more are “coming soon.”
Boston Logan International Airport (BOS).
New York City - John F. Kennedy International Airport (JFK).
New York City - LaGuardia Airport (LGA).
Philadelphia International Airport (PHL).
Phoenix Sky Harbor International Airport (PHX).
San Diego International Airport (SAN).
Hong Kong International Airport (HKG).
Coming soon: Dallas Forth Worth International Airport (DFW).
Coming soon: Las Vegas - Harry Reid International Airport (LAS).
Coming soon: Los Angeles International Airport (LAX)
when it comes to rewards for flights and hotels. Cardholders earn 4X points on flights and hotels, and 8X points on Chase Travel℠ purchases. Other comparable business travel cards award 1X to 3X points on travel.
The
Sapphire Reserve for Business
is also an excellent option for companies with major advertising expenses. The card earns 3X points for every ad dollar spent on Google, Facebook, Instagram and other eligible platforms. And unlike other popular cards for advertising rewards, there’s no spending cap.
Spend $250,000 on Google ads with this card each year and you'll get 750,000 points. If you use those points for travel through the Chase Travel℠ portal, they could be worth up to $15,000, thanks to the card’s Points Boost perk.
The card is a strong addition for business owners using the so-called "Chase trifecta." This strategic combination of multiple Chase business cards maximizes your point-earning potential.
Flexible annual travel credit
Most cards in this class offer some form of annual travel credit. But none are as flexible as the
Sapphire Reserve for Business
’s $300 yearly benefit. This perk automatically applies to any travel purchase — no work required.
Similar benefits from the
Capital One Venture X Business Card
and the AmEx Business Platinum stipulate the credit only applies in certain circumstances. For the Venture X Business, that’s on prepaid travel through the card’s portal. For the AmEx Business Platinum, it’s on purchases with a specific, pre-selected airline.
Drawbacks and alternatives
Massive annual fee
The
Sapphire Reserve for Business
made a splash with its annual fee — and not in a good way. The
$795
yearly price tag makes it the most expensive mainstream business credit card. It also makes it a very difficult card to justify carrying long term.
You'll need to spend $20,000 on flights and hotels just to break even. Yes, you can cut that down if you cash in some of the cards perks and credits. But the card’s most useful perks are for business travelers. And they're also not novel.
delivers comparable lounge access and a similar travel credit for a fraction of the annual fee.
Coupon-style discounts
Chase claims it stuffed the
Sapphire Reserve for Business
with over $2,500 in annual value. That may technically be true. But realizing that full amount requires cashing in on numerous statement credits. And those may be for services your business may not actually need — like DoorDash grocery orders, Lyft rides and ZipRecruiter purchases.
Other premium business travel cards have a clearer return on investment. The
, for example, offers a companion pass, lounge access, complimentary upgrades and free checked bags. These are all easy perks to use for frequent fliers.
If you don’t mind tracking statement credits, weigh those offered by the Sapphire Reserve for Business against those available via
. You may find the latter a better and (slightly) more affordable fit.
Sapphire Reserve for Business
AmEx Business Platinum
$300 annual travel credit.
$120 statement credit on TSA PreCheck®, Global Entry or Nexus (every four years).
$500 credit for prepaid stays with The Edit by Chase Travel.
$400 annual credit for ZipRecruiter purchases.
$200 Google Workspace credit toward AI tools for business.
$300 in annual DoorDash statement credits (doled out monthly), plus a free DashPass membership.
$120 in annual Lyft in-app credits (up to $10 monthly).
$100 Giftcards.com credit.
Up to $200 statement credit annually for incidental fees on one airline (not including airfare or seat upgrades).
Up to $209 statement credit annually toward the cost of a CLEAR Plus membership when you pay for it with your Business Platinum Card.
Up to $120 statement credit on TSA PreCheck® or Global Entry application fee when it's charged to the card.
Up to $1,150 in Dell statement credits annually.
Up to $200 Hilton statement credit each year (up to $50 per quarter).
Up to $360 Indeed statement credit.
Up to $250 Adobe Creative Solutions statement credit.
Up to $120 statement credit for cell phone service paid for with your AmEx Business Platinum.
Enrollment required.
Terms and conditions apply.
How we evaluated the
Sapphire Reserve for Business
NerdWallet's business credit card experts compared the Sapphire Reserve for Business to other travel business cards, evaluating how the card's rewards, perks, fees and features stack up to its peers.